Search found 144 matches

by Jimmie
Sun Apr 23, 2017 10:50 am
Forum: Personal Consumer Issues
Topic: My Doctor says I am "unusual" (declining some blood tests)
Replies: 42
Views: 4143

Re: My Doctor says I am "unusual" (declining some blood tests)

Slacker wrote:I've asked my Dentist to only do x-rays once per year as opposed to the twice a year he wishes to do. He usually just tells me that he won't charge for it.

If for no other reason, why wouldn't it make sense to minimize exposure to radiation from X-ray machines?
by Jimmie
Sun Apr 23, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 49
Views: 3713

Re: Any regrets living a frugal life for high income/high networth individuals?

I did a lot of foreign vacation travel in my 50s and I'm so glad I did. Now, in my mid-60s and retired, my feet and knees are not in great shape, and I probably shouldn't be wandering around foreign countries. And I'm not sure I could stand another 12- or 14-hour flight to Asia in economy class. It...
by Jimmie
Sun Apr 23, 2017 9:39 am
Forum: Investing - Theory, News & General
Topic: Why are pensions revered, but annuities reviled?
Replies: 77
Views: 4531

Re: Why are pensions revered, but annuities reviled?

Who in the world has ever forfeited "several years salary to subsidize a pension that they are not part of?" Several years' salary is a huge number. How is that even possible? My GF works at a hospital. The hospital recently re-structured her pension plan to "freeze" it. I belie...
by Jimmie
Sun Apr 23, 2017 9:22 am
Forum: Investing - Theory, News & General
Topic: Why are pensions revered, but annuities reviled?
Replies: 77
Views: 4531

Re: Why are pensions revered, but annuities reviled?

It's not `a "beautiful" thing' for the people who forfeit several years salary to subsidize a pension that they are not part of. I cannot even find the words to describe how sick and evil pensions are. It is not fair to demonize all pensions. It depends on how the pension is funded. Yes, ...
by Jimmie
Sun Apr 23, 2017 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 49
Views: 3713

Re: Any regrets living a frugal life for high income/high networth individuals?

Every so often, a news article pops up that analyzes the monetary level to make the average person "happy". If I recall, it was somewhere around $70,000 a year last time I read an article of this sort. This amount gets you decent housing, keeps your belly full of food, and affords enough t...
by Jimmie
Sun Apr 23, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Six pack for barbecue?
Replies: 64
Views: 2963

Re: Six pack for barbecue?

Most of my replies to this post so far deal with the "choice overload" we have grown accustomed to. This thread obviously addresses "beer". It need not matter the commodity, there is choice after choice after choice. Beer, wine, soft drinks (note, I avoided calling it "pop&q...
by Jimmie
Sun Apr 23, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: Six pack for barbecue?
Replies: 64
Views: 2963

Re: Six pack for barbecue?

It's pretty clear you're not much of a beer drinker. A 6-pack means bottled beers. I would not bring something like Bud or Bud Light. Bring a nice summertime beer like a Sierra Nevada Kellerweis Hefeweizen. Sierra Nevada has wide distribution and should be available just about anywhere for a standa...
by Jimmie
Sun Apr 23, 2017 8:00 am
Forum: Investing - Theory, News & General
Topic: Single most important investing advice?
Replies: 63
Views: 3830

Re: Single most important investing advice?

Currently almost 30 and it's rather troubling how many of my friends and coworkers do almost nothing or the bare minimum for saving. IMHO, young people think there is always enough time later to start investing. Then, marriage, children, houses, college, elderly parents all get in the way. If it wa...
by Jimmie
Sun Apr 23, 2017 7:54 am
Forum: Personal Consumer Issues
Topic: Six pack for barbecue?
Replies: 64
Views: 2963

Re: Six pack for barbecue?

Also, since we're in the south, they wouldn't have called this event "a barbeque" unless it features what we call "barbeque", which is barbequed pork. Instead, it would be a "cookout." :D I gave up on arguing this point a long time ago. To some people, a steamed hot do...
by Jimmie
Sat Apr 22, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: Hotel Living
Replies: 12
Views: 1842

Re: Hotel Living

I'm on the road 250+ days a year. So far, the posters that answered before me said everything I could possibly bring to the table. Review every bit of their wisdom.

Good job, everyone!
by Jimmie
Sat Apr 22, 2017 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Need Retirement Plan Criticism
Replies: 12
Views: 1603

Re: Need Retirement Plan Criticism

My two cents, and its only worth that much. Do not count your girlfriends wealth as yours it is not yours and she can leave at any time and then it is just your wealth. Pay off the credit card as fast as you can, and have your son help pay. Its his bill. Points well taken. The bump to this post was...
by Jimmie
Sat Apr 22, 2017 7:05 pm
Forum: Personal Consumer Issues
Topic: Time savers - life on automation
Replies: 16
Views: 1788

Re: Time savers - life on automation

dratkinson wrote:Small victories.

That's what life is all about.
by Jimmie
Sat Apr 22, 2017 7:02 pm
Forum: Investing - Theory, News & General
Topic: Why are pensions revered, but annuities reviled?
Replies: 77
Views: 4531

Re: Why are pensions revered, but annuities reviled?

Being an old guy who spent much of his working life in companies that had pensions and then suddenly thrust into the universe that I had to fend for myself by saving/investing for the future, I would say (at least to me) pensions were given where annuities are bought , requiring you to give up a po...
by Jimmie
Sat Apr 22, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: No clue where to start
Replies: 8
Views: 721

Re: No clue where to start

Artisan wrote:43 is not too late, many have started later. It seems you have already taken some important steps: no debt, an emergency fund etc.

There are two "best" times to start: Twenty five years ago and if that is not possible, today. (I love that statement!)
by Jimmie
Sat Apr 22, 2017 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: A Little History [from old bank statements]
Replies: 12
Views: 1208

Re: A Little History

For the house I did own from 1985 to 1996, my mortgage interest rate was double digit. In any case, I wish I still kept that house. The payment was about $640 a month - less than my post divorce apartment rent. The problem was that we had a load of credit card debt and I could not afford to buy out ...
by Jimmie
Sat Apr 22, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Strange cable wall jack in home. What is it? (pics included)
Replies: 17
Views: 2897

Re: Strange cable wall jack in home. What is it? (pics included)

Does anyone know if I would be allowed to just remove that metal box from the wall and let those two coaxial cable hang behind the wall? When I remove the metal box... They will hunt you down. :mrgreen: LOL! The manager probably can't remember what he or she had for lunch. Hard to believe they woul...
by Jimmie
Sat Apr 22, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: Six pack for barbecue?
Replies: 64
Views: 2963

Re: Six pack for barbecue?

I have also called before going to a gathering to ask if there is anything I can stop and pick up on the way and the answer 9 times out of 10 is "YES, thank you, I need xxxxxx." As a more frequent party host than guest, you would be welcome at any of my parties. I wish every guest had thi...
by Jimmie
Sat Apr 22, 2017 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Need Retirement Plan Criticism
Replies: 12
Views: 1603

Re: Need Retirement Plan Criticism

Plans after receipt of lump sum payout are as follows: 1) Add $90,000 to Schwab IRA to purchase additional stable dividend stocks, mostly “Dividend Kings”. 2) Open Vanguard traditional IRA. 3) Put $100,000 in VFIAX - S&P 500 Index - Admiral Shares 4) Put $100,000 into VWIAX – Wellesley – Admira...
by Jimmie
Sat Apr 22, 2017 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Hardest invest Q of all [when to retire]
Replies: 14
Views: 1458

Re: Hardest invest Q of all [when to retire]

When you have enough money. When you have had enough of the job. When you have enough outside interests to want to try something else besides working all day. If you can say yes to these questions go for it while you are still young enough to do fun things. Good Luck. Congratulations! Best post I h...
by Jimmie
Sat Apr 22, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Six pack for barbecue?
Replies: 64
Views: 2963

Re: Six pack for barbecue?

Bonus question: should I consider additionally bringing a food item, like potato salad? It does not sound like you need to bring anything else and bringing anything large that would result in their being too much food. It might be too late to get it but if you happen to be from another country then...
by Jimmie
Sat Apr 22, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Six pack for barbecue?
Replies: 64
Views: 2963

Re: Six pack for barbecue?

With so many choices of beverages, when I throw a BBQ, my rule is BYOB TYOB. (Bring your own bottle, take your own bottle) I do tell my guests what will be available (see below). In other words, as the host, I don't want to either guess what you like (if I stock the bar) nor do I want to get stuck w...
by Jimmie
Sat Apr 22, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Strange cable wall jack in home. What is it? (pics included)
Replies: 17
Views: 2897

Re: Strange cable wall jack in home. What is it? (pics included)

runner9 wrote:How can you be sure there's no current/it's not active and NEVER will be going forward??

It's a low voltage signal cable for certain. If you want, plaster over the whole box after you remove the cover. Nothing bad will result from it.
by Jimmie
Sat Apr 22, 2017 3:56 pm
Forum: Investing - Theory, News & General
Topic: Weight loss and investing
Replies: 34
Views: 3342

Re: Weight loss and investing

It's all about numbers in minus numbers out. Simple rules of humble arithmetic. Assuming the "numbers" you refer to include nutrition and I assume by "numbers" you mean calories. Although the "numbers" work in the short term, i.e. the McDonald's diet may lose X pounds ...
by Jimmie
Sat Apr 22, 2017 6:51 am
Forum: Personal Consumer Issues
Topic: Moving... and U-haul trucks are expensive!
Replies: 25
Views: 1982

Re: Moving... and U-haul trucks are expensive!

Rent a pick-up truck from someone like Enterprise. Pick-ups are much cheaper than vans. If weather looks bad, buy a cheap tarp and a few bungee cords.

Another option is to rent a truck from Home Depot or Lowe's. Not only can you rent by the hour, you may not need to buy anything from them.
by Jimmie
Sat Apr 22, 2017 6:40 am
Forum: Personal Consumer Issues
Topic: Best surface for garage, epoxy, polished concrete, something else?
Replies: 20
Views: 1799

Re: Best surface for garage, epoxy, polished concrete, something else?

Last summer I walked outside in bare feet during a rain storm to bring to dog food dish inside. Stepped back into the basement (very smooth finish concrete floor) and slipped around a bit. I thought to myself "oh, I'd better be careful, this floor is treacherous when it gets wet". Took 2 ...
by Jimmie
Sat Apr 22, 2017 6:21 am
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 57
Views: 3640

Re: Removing a tree - expensive!!!

No insurance...What insurance company would insure a Redneck running a chainsaw 40 feet up in a tree? The same insurance company that insures demolition crews and companies that use explosives to clear rock and other debris. Sure, it is high-risk compared to insuring an accountant, but I'm sure the...
by Jimmie
Fri Apr 21, 2017 6:49 pm
Forum: Investing - Theory, News & General
Topic: White Gold ??? [question about newletter claim]
Replies: 21
Views: 949

Re: White Gold ???

Nicolas wrote:I think it's related to the Rockwell Automation Retro Encabulator.
https://youtu.be/RXJKdh1KZ0w

LOL! Good share. That's a basic motor control center. One of the lowest tech components in industry.
by Jimmie
Fri Apr 21, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: Car Choices
Replies: 41
Views: 2692

Re: Car Choices

I do like clown's suggestion to buy American, but don't assume that a nameplate brand means it's built in America. There are certainly lots of GM cars built elsewhere, including China. I own 2 Subarus (1 built in Lafayette, Indiana and one in Japan), a Ford Fusion (built in Mexico) and a Jeep Wrang...
by Jimmie
Fri Apr 21, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Bill received after Estate is closed
Replies: 55
Views: 4793

Re: Bill received after Estate is closed

Interesting answers to an interesting problem. But all seriousness aside and since it is TGIF, isn't this problem about splitting heirs? :shock:
by Jimmie
Fri Apr 21, 2017 5:11 pm
Forum: Investing - Theory, News & General
Topic: White Gold ??? [question about newletter claim]
Replies: 21
Views: 949

Re: White Gold ???

White Gold? Chilean Tea! :D
by Jimmie
Fri Apr 21, 2017 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: IRS refund today!
Replies: 42
Views: 2865

Re: IRS refund today!

Most years I get mine before January 15th. Expect to receive written confirmation of the termination of membership to the "Procrastinators of America Society" in the mail sometime. As usual, the person responsible for putting the termination letter in the mail today, has not even started ...
by Jimmie
Fri Apr 21, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: My Doctor says I am "unusual" (declining some blood tests)
Replies: 42
Views: 4143

Re: My Doctor says I am "unusual" (declining some blood tests)

Even with the advent of and requirement for physicians to use emr (electronic medical records) duplication of services remains a huge problem. Good for you for noticing this and decreasing the nations healthcare costs! :sharebeer Thanks for posting my exact thoughts. With EMR, how is this even poss...
by Jimmie
Fri Apr 21, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: My Doctor says I am "unusual" (declining some blood tests)
Replies: 42
Views: 4143

Re: My Doctor says I am "unusual" (declining some blood tests)

Even with the advent of and requirement for physicians to use emr (electronic medical records) duplication of services remains a huge problem. Good for you for noticing this and decreasing the nations healthcare costs! :sharebeer Thanks for posting my exact thoughts. With EMR, how is this even poss...
by Jimmie
Fri Apr 21, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 57
Views: 3640

Re: Removing a tree - expensive!!!

My girlfriend's son has a huge tree in his front yard that will need to be removed someday. It is very close to the house. I have told him to hire a professional who knows what he is doing because having just one large branch fall the wrong way will destroy their home. The high cost of removal just ...
by Jimmie
Fri Apr 21, 2017 3:14 pm
Forum: Investing - Theory, News & General
Topic: Single most important investing advice?
Replies: 63
Views: 3830

Re: Single most important investing advice?

Just keep buying. https://ofdollarsanddata.com/just-keep-buying-7d31402231c9 I read that and realized one thing which I will make my "Single Most Important Investing Advice": Don't try to time the market. This applies to so many situations: When to get in, when to get out. I have struggle...
by Jimmie
Fri Apr 21, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Building your own fence
Replies: 35
Views: 2401

Re: Building your own fence

ddurrett896 wrote:
Jimmie wrote:If you never move from that house, eventually you WILL need to dig holes a second time. :-(


The poles are galvanized so I rust or rot.

My lame attempt at dark humor was lost on those eager to stick to the original post.
by Jimmie
Fri Apr 21, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: Strange cable wall jack in home. What is it? (pics included)
Replies: 17
Views: 2897

Re: Strange cable wall jack in home. What is it? (pics included)

It looks like a BNC type antenna connector. Close. A BNC would have a bayonet connector and was used for radio frequencies. Based on the terminations shown, this was most likely an old coax cable connection, perhaps UHF. The connection was probably re-run making this one obsolete, so it was just bu...
by Jimmie
Fri Apr 21, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Car Choices
Replies: 41
Views: 2692

Re: Car Choices

I currently have a 2013 Honda Civic (no problems so far) and owned several VW Jettas. All have been pretty reliable. The biggest problem with the last Jetta was a handful of weird, small issues. Oxygen sensors that triggered the "check engine" light. This happened so often, I got a OBD int...
by Jimmie
Fri Apr 21, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Building your own fence
Replies: 35
Views: 2401

Re: Building your own fence

ddurrett896 wrote:Did ours - nothing hard, just grunt work!

Check out OZ fence post brackets. They allow you to use a chain link fence post with a wooden fence. We're never selling this house and only want to dig holes once!

If you never move from that house, eventually you WILL need to dig holes a second time. :-(
by Jimmie
Fri Apr 21, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: Building your own fence
Replies: 35
Views: 2401

Re: Building your own fence

I especially agree with:

1) Checking that the fence location is legal (and your neighbor agrees)
2) Getting the appropriate permits
3) Having the utilities properly checked and marked prior to digging

These are often overlooked while concentrating on the actual building of the fence.
by Jimmie
Thu Apr 20, 2017 5:03 pm
Forum: Personal Consumer Issues
Topic: Best surface for garage, epoxy, polished concrete, something else?
Replies: 20
Views: 1799

Re: Best surface for garage, epoxy, polished concrete, something else?

About 12 years ago, I applied what Behr Paint from Home Depot calls "1 part Epoxy Garage Paint". http://www.behr.com/consumer/products/floor-coatings-sealers-and-prep/behr-premium-one-part-epoxy-concrete-and-garage-floor-paint I spent a lot of time roughing up the improperly sealed surface...
by Jimmie
Thu Apr 20, 2017 4:49 pm
Forum: Investing - Theory, News & General
Topic: Weight loss and investing
Replies: 34
Views: 3342

Re: Weight loss and investing

In addition to that list, I would add another similarity: A once in a while, but reasonable, treat works wonders to keep up the morale needed to stay the course.

Weight loss reward example: Cookie
Investment reward example: Vacation
by Jimmie
Thu Apr 20, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: What constitutes "a lot" of money?
Replies: 79
Views: 10094

Re: What constitutes "a lot" of money?

After reading this thread for a while, isn't it really about "value"? The purchase of a million dollar home, to many people on this forum, is nothing. The idea of paying $9 for a beer at the ballpark or airport makes us all sick because we can purchase 12 of those same beers to drink at ho...
by Jimmie
Wed Apr 19, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 7487

Re: Mens Blue Jeans - What are we buying now?!

I wore Levis all my life. I liked them because they were cheap, reliable, and I did not have to think. I hate buying clothes. I pretty much wear jeans everyday for just about all occasions including going to parties and out to dinner. As I got older (60's) my daughter said that I look like a dork i...
by Jimmie
Wed Apr 19, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Why do I owe so much on my taxes?
Replies: 32
Views: 3745

Re: Why do I owe so much on my taxes?

This might be a stupid question, but is it safe to assume I should adjust my state tax allowances to be the same as my federal taxes? Is their a resource for you to simulate the state taxes based on your particular situation? Even if there is not, I cannot imagine having a state tax be much differe...
by Jimmie
Wed Apr 19, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Why do I owe so much on my taxes?
Replies: 32
Views: 3745

Re: Why do I owe so much on my taxes?

The above posters explain what happened. Yes, you can claim zero deductions. You might instead just develop an emergency fund that holds enough to be able to pay unexpected expenses like this. Tax time will come every April from this point on, and it is better to pay at the end rather than receive ...
by Jimmie
Wed Apr 19, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Why do I owe so much on my taxes?
Replies: 32
Views: 3745

Re: Why do I owe so much on my taxes?

You are only 27. As the years go by, you will learn to make adjustments each year. Eventually you will get good at it. For tax year 2015, I paid 5 more bucks for federal at tax time. Tax year 2016, I will receive 2 bucks. I hesitate to ask the forum what I should do with all that money. Wow, I find...
by Jimmie
Wed Apr 19, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Why do I owe so much on my taxes?
Replies: 32
Views: 3745

Re: Why do I owe so much on my taxes?

The above posters explain what happened. Yes, you can claim zero deductions. You might instead just develop an emergency fund that holds enough to be able to pay unexpected expenses like this. Tax time will come every April from this point on, and it is better to pay at the end rather than receive ...
by Jimmie
Wed Apr 19, 2017 8:24 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 133
Views: 8863

Re: Ordering a Weber grill this week

My Weber has a classic spring weight gauge inside that you put the tank on and it holds the tank. It works fine and seem pretty accurate. It show when the tanks is full to 3/4 to 1/2 to 1/4 to empty with red marks at each point. I take the tank off and get it refilled when the gauge gets to 1/4. Bu...
by Jimmie
Tue Apr 18, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 133
Views: 8863

Re: Ordering a Weber grill this week

I have the dial gauge on my other grill that is not a Weber. The dial is OK. It sorta shows when the tank to getting low on fuel. But you still have to pick up the tank on that grill and move it out so it is clumsy and heavy. Good Luck. IMHO, gauges to measure propane are worthless. You buy propane...

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